Make sure massage therapists insurance is on your list

When you are setting up as a massage therapist or bodyworker, you will have a list of steps that you will need to take and goals to achieve in order to become a hands-on practitioner. For those therapists and bodyworkers who are no longer new to the practice, it is also a good idea to review your practice on an annual basis, noting your business strengths as well as weaknesses. On your list, you will have items such as your décor and your massage table, these items being important whether you are new to the industry or have been practicing for some time. Along with the tangible items, however, you should review the intangible items that contribute to the smooth running of a practice.

Intangible items that you will require in order to run a successful business as a massage therapist include having the correct massage insurance policy. This is an item that you cannot visualize, but one that you need to have for the successful running of your business. By securing liability insurance for massage therapists, you will protect yourself and your practice against legal claims, and you will create a safety net in the same way that a car insurance policy will protect you in the event of an accident.

So, when you are ready to open the doors to your new business as a massage therapist or when you are assessing your existing practice, always be sure that the correct insurance policy is on your checklist. By locating a policy that gives you all the peace of mind you need, you will be able to channel all your energy into serving your clients – being able to forget all the “what ifs” that come with the running of a business with a client base.

For example, if you have taken out an adequate insurance policy for massage therapists, you won’t need to preoccupy yourself with what would happen if a client were to have a trip, fall, or accident while at your practice, such as a client hitting her head on the edge of a table or falling on a slippery floor.

The same as a bad car accident, the chances of something bad happening are rare, but still possible just the same, and you need to be protected from the financial fall out of such an occurrence, which could be disastrous to your practice. In such cases, the general liability coverage, also being commonly known by the name “slip and fall” coverage, will protect you.

Apart from offering you a safety net for your business, a good quality massage therapists insurance program will give you the cover you need from other potential claims, these including claims from clients who claim that they were injured due to your lack of competence as a professional bodyworker or therapist. In such cases, it would your professional liability coverage that would provide you with the protection you need. This coverage is also known as malpractice insurance.

When setting up your practice, always be thorough and make sure that you have the correct insurance for massage therapists in place. In fact, depending on the state where you will open your practice, massage therapist insurance may well be mandatory; in those where it is not, the risk of not being properly covered is not worth the money you could save.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection Plan Association, Inc. The Identity The Doyle Group is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. The Doyle Group d/b/a Massage Magazine Insurance Plus is the insurance partner for Massage Magazine and Protection Plan Association, Inc. members. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Insurance Plus is not an insurer. 820 A1A N Highway, Suite W18 Ponte Vedra Beach, FL 32082